Form 990 for tax year 2025

Totals

Total revenue

$403,672

Total expenses

$387,464

Contributions and grants received

$230,532

Grants paid

$270

Program service revenue

$44,193

Investment income

$51,253

Other revenue

$77,694

Total assets, end of year

$1,497,238

Total liabilities, end of year

$63,766

Net assets or fund balances, end of year

$1,433,472

Program services expenses (Part IX)

$324,515

Management and general expenses

$62,949

Fundraising expenses

$0

Program service expenses (Part III)

$324,515

Program services were 83.8% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

Line items

Every line the filer filed in Parts VIII, IX and X, as filed and in filed order. Blank columns are left out, and the lines are not forced to add up to the totals above.

Mission and programs · 2025

• CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILS PROVIDES COMPREHENSIVE FINANCIAL AND HOUSING COUNSELING AT NO CHARGE. HOUSING SERVICES INCLUDE: HOMELESS ASSISTANCE, RENTAL TOPICS, PREPURCHASE/HOMEBUYING, HOME MAINTENANCE AND FINANCIAL MANAGEMENT NON-DELINQUENT POST PURCHASE, AND RESOLVING OR PREVENTING MORTGAGE DELINQUENCY OF DEFAULT. A CERTIFIED CONSUMER CREDIT COUNSELOR MEETS WITH AN INDIVIDUAL OR FAMILY FOR 2 HOURS. THE CONTENT OF THE COUNSELING IS TAILORED TO FIT EACH INDIVIDUAL CLIENT, AS EACH SITUATION AND NEEDS ARE DIFFERENT. THE ACTION PLAN INCLUDES ISSUES AND CAUSES, INFORMATION ON THE CLIENTS INDIVIDUAL CIRCUMSTANCES, THE CLIENTS SHORT AND LONG-TERM GOALS, AND ACTION STEPS TO INCLUDE OPTIONS, SUGGESTIONS, AND REFERRALS TO OTHER SERVICES OR ORGANIZATIONS IF WE CANNOT PROVIDE THESE NEEDED SERVICES. WE PROVIDED HOUSING AND FINANCIAL COUNSELING FOR 440 HOUSEHOLDS AND DMP CLIENTS. FOR SOME INSOLVENT INDIVIDUALS AND FAMILIES, THE FINANCIAL ASSESSMENT REVEALS THAT A DEBT MANAGEMENT PROGRAM IS A VIABLE OPTION THAT MAY HELP THEM MANAGE THEIR FINANCES AND REPAY THEIR DEBTS. OUR DEBT MANAGEMENT CLIENTS REPAID OVER 480,082.

  Expenses $296,189 · Grants $270 · Revenue $44,193

• THE AMERICAN CENTER FOR CREDIT EDUCATION DEVELOPS AND PUBLISHES FINANCIAL EDUCATION PROGRAMS INCLUDING CREDIT WHEN CREDIT IS DUE, MAKE YOUR MOVE: A GUIDE TO HOMEOWNERSHIP, MONEY IN MOTION, START RIGHT: BUILD YOUR OWN BUSINESS, REBUILDING YOUR CREDIT, AND THE TEN STEPS TO BUYING A CAR. WE ALSO DISTRIBUTE THESE PROGRAMS NATIONWIDE TO NON-PROFIT CREDIT COUNSELING AGENCIES, HOUSING COUNSELING AGENCIES, AND COMMUNITY ACTION AGENCIES. WE HAVE DISTRIBUTED 1,941,706 FINANCIAL LITERACY PROGRAMS. LOCALLY, WE ARE DEEPLY COMMITTED TO PROMOTING FINANCIAL LITERACY TO THE UNDERSERVED POPULATIONS WITHIN OUR COMMUNITIES. OUR APPROACH PRIORITIZES BREAKING BARRIERS TO ACCESS AND MEETING INDIVIDUALS WHERE THEY ARE WITH TARGETED PARTNERSHIPS AND PROGRAMS: WE REACH INDIVIDUALS AND FAMILIES OFTEN OVERLOOKED BY MAINSTREAM SERVICES. WE COLLABORATE WITH ONEHEART, CORNERSTONE WOMENS APARTMENTS, THE VA, AND VOLUNTEERS OF AMERICA, TO ENSURE PEOPLE EXPERIENCING HOMELESSNESS RECEIVE THE COUNSELING AND EDUCATION THEY NEED. RECOGNIZING THE DIVERSITY OF CHALLENGES FACED BY INDIVIDUALS, WE ADDRESS THE NEEDS OF THOSE STRUGGLING WITH ADDICTION PARTNERING WITH LSS, AND NORTHERN HILLS DRUG COURT. SIMILARLY, WE SUPPORT AT- RISK YOUTH THROUGH JOB CORPS AND FAMILY CONNECTIONS, AND SINGLE PARENTS THROUGH CATHOLIC SOCIAL SERVICES UPLIFTING PARENTS PROGRAM. INCLUSION FOR MARGINALIZED GROUPS: OUR WORK EXTENDS TO INCARCERATED INDIVIDUALS THROUGH PARTNERSHIPS WITH PENNINGTON COUNTY JAIL, THE RAPID CITY WORK CENTER, THE PENNINGTON COUNTY JUVENILE SERVICE CENTER, AND THE WOMENS PRISON, HELPING THEM REINTEGRATE INTO SOCIETY WITH BETTER TOOLS AND RESOURCES. WE WORK WITH ELLSWORTH AIR FORCE BASE AND THE DEPARTMENT OF LABORS TANF PROGRAM TO SERVE WORKING FAMILIES, MILITARY PERSONNEL, AND THOSE FACING ECONOMIC HARDSHIP. BUILDING INTENTIONAL PARTNERSHIPS AND TAILORING OUR SERVICES TO MEET THE UNIQUE NEEDS OF THESE POPULATIONS, WE STRIVE TO FOSTER A SENSE OF BELONGING, EMPOWERMENT, AND OPPORTUNITY FOR ALL. IN 2025, LOCALLY WE REACHED 961 INDIVIDUALS WITH CLASSES AND 574 WITH ONLINE PROGRAMS.

  Expenses $28,326 · Revenue $77,694

As filed on the 2025 return. The filer continues this part on Schedule O, which is not shown here.

Listed in Part VII

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those.

Grants on this return

No itemized grants to organizations on this return.

Provenance

Return type

form_990

Tax year

2025

Filed

29 July 2026

IRS schema version

2025v4.0

Source object

202622109349301707

Check it against the return as filed: the GivingTuesday Data Lake hosts a public copy of the original XML.

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